# clm_8578E4F2311E

subject: Klarna (/record/klarna.md)  
predicate: founded  
value: 2005  
valid_from: 2005-01-01  
valid_to: null  
published: no source on record carries a date  
recorded: 2026-10-29  
confidence: 0.60  
status: unverified  
assertable: false (unverified: Unverified: one source that is not primary, or a primary source below confidence 0.7. Asserted once a primary source or a second independent domain confirms it.)  
superseded_by: null  
last_updated: 2026-10-29  
checked: 2026-10-29 · its source page states the value and the date  

> Klarna (formerly Kreditor) was founded in Stockholm in 2005 by Sebastian Siemiatkowski (CEO), Niklas Adalberth (former deputy CEO), and Victor Jacobsson (former CFO), three students at the Stockholm School of Economics.

What https://research.contrary.com/company/klarna says, word for word.

## Sources

- https://research.contrary.com/company/klarna (secondary, research.contrary.com)

---

AsOf is a temporal fact ledger: a structured, dated, sourced record of what is true and what changed, built for AI retrieval.
